Contributions Refund

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How to collect refunds

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Contributors are entitled to receive a “Regular” Contributions Refund in the 8th year after the contribution was made. This means if you contributed to the NHT in 2009, then in 2017 you should be able to apply for a refund of all contributions you made during 2008. In 2018 you should be able to apply for contributions made in 2010 and so on. 

If you have a mortgage that you received directly from the NHT, then you should not apply for your refund as it will automatically be credited to your mortgage account with an effective date of January 1 of the eighth year. Exceptions to this are:

  • persons who received their mortgage via the Combined Mortgage Programme or the Joint Finance Mortgage Programme, or
  • public sector employees who are NHT mortgagors and who meet specific conditions. These mortgagors may apply for refunds due from 2014 – 2017 under a special public sector worker concession. 

If you are a retiree, an expatriate returning home for good,  someone in receipt of invalidity pension from the Ministry of  Social Security or the beneficiary of a deceased contributor you may apply for a “Special” Contributions Refund.